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Terms and Conditions

PLEASE READ THESE TERMS AND CONDITIONS CAREFULLY. BY ACCESSING THIS WEB SITE AND ANY PAGES OR OTHER COMPONENTS HEREOF, YOU AGREE TO BE BOUND BY THE TERMS AND CONDITIONS SET FORTH BELOW. These Terms and Conditions set forth the entire agreement between the parties relating to the use of this site, and acceptance by you of these Terms and Conditions by accessing this web site make them legally enforceable as to you. Bay Banks of Virginia, Inc. and its affiliates, Virginia Commonwealth Bank (formerly Bank of Lancaster) and VCB Financial Group (formerly Bay Trust Company), ("Bay Banks," “Virginia Commonwealth Bank,” “VCB Financial Group,” "we," "us," or "our") can revise these Terms and Conditions at any time by updating this posting.

Privacy Principles
We recognize and respect the privacy expectations of our consumer customers and provide an explanation of these principles. Please refer to our Privacy Statement. Please also be aware that the Consumer Privacy Principles do not limit or modify and are governed by these Terms and Conditions. We shall not be subject to any obligations of confidentiality regarding information submitted through this site or any page hereof except as otherwise agreed to by us in writing with a person or entity having a direct relationship with us or as otherwise required by law.

Copyright and Service Mark/Trademark
You may not copy the material on this site, except that copies made incidentally in the ordinary course of your fair use of this site (such as in cache memory) and a reasonable number of printed copies for your own use are permitted, provided you do not delete or change any copyright, trademark or other notices. You may not upload, post, publish, transmit or distribute it in any way (whether electronically or otherwise) or create other works based on it, without our prior written consent. Title to and all intellectual property rights in the material on this site remain ours and our affiliates or licensors.

Disclaimers and Limitation of Liability
NEITHER BAY BANKS OF VIRGINIA NOR ANY OF ITS AFFILIATES, INCLUDING BUT NOT LIMITED TO VIRGINIA COMMONWEALTH BANK AND VCB FINANCIAL GROUP, MAKE ANY REPRESENTATION ABOUT THE SUITABILITY OF THE CONTENT OF THIS SITE FOR ANY PURPOSE. ALL CONTENT IS PROVIDED "AS IS" WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ANY WARRANTIES AND REPRESENTATIONS WITH REGARD TO THE CONTENT, INCLUDING BUT NOT LIMITED TO ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

BAY BANKS OF VIRGINIA AND ITS AFFILIATES WILL NOT BE LIABLE UNDER ANY CIRCUMSTANCES FOR ANY DAMAGES OR INJURY, INCLUDING BUT NOT LIMITED TO THOSE CAUSED BY ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OF TRANSMISSION, COMPUTER VIRUS, OR SYSTEM FAILURE. IN NO EVENT SHALL BAY BANKS OF VIRGINIA OR ANY OF ITS AFFILIATES BE LIABLE FOR ANY SPECIAL, INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES OR ANY DAMAGES WHATSOEVER, INCLUDING BUT NOT LIMITED TO LOSS OF USE, DATA, OR PROFITS, ARISING OUT OF OR RELATING TO THE USE OF THIS SITE OR THE COPYING OR DISPLAY OF INFORMATION ACCESSED THROUGH THIS SITE, WHETHER OR NOT BAY BANKS OF VIRGINIA OR ANY AFFILIATE WAS ADVISED OF OR AWARE OF THE POSSIBILITY OF SUCH DAMAGES. THE FOREGOING DISCLAIMER OF LIABILITY IS EFFECTIVE WITHOUT REGARD TO THE FORM OF ANY ACTON, INCLUDING BUT NOT LIMITED TO CONTRACT, NEGLIGENCE, TORT, STRICT LIABILITY OR ANY OTHER THEORY. WITHOUT LIMITING THE FOREGOING, BAY BANKS OF VIRGINIA AND ITS AFFILIATES SHALL NOT BE LIABLE FOR ANY LOSSES OR DAMAGES INCURRED AS A RESULT OF ANY INFORMATION OR CONFIDENTIAL INFORMATION SUBMITTED TO IT THROUGH THIS SITE OR ANY PAGE HEREOF OR FOR ITS TRANSMISSION OF INFORMATION OR CONFIDENTIAL INFORMATION TO ANY PERSON (S) OR ENTITY (IES) AS A RESULT OF A REQUEST FOR SUCH TRANSMISSION REASONABLY BELIEVED BY BAY BANKS OF VIRGINIA OR AN AFFILIATE TO HAVE BEEN MADE BY SUCH PERSON OR ENTITY. THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU TO THE EXTENT THAT APPLICABLE LAW DOES NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES.

WE ATTEMPT TO KEEP THE INFORMATION ON THIS SITE ACCURATE, COMPLETE, AND CURRENT, BUT WE DO NOT WARRANT THAT THE CONTENT HEREIN IS ACCURATE, COMPLETE, OR CURRENT. WE MAKE NO COMMITMENT TO UPDATE THE CONTENT HEREIN. IT IS YOUR RESPONSIBILITY TO VERIFY ANY INFORMATION BEFORE RELYING ON IT. THE CONTENT OF THIS SITE MAY INCLUDE TECHNICAL INACCURACIES OR TYPOGRAPHICAL ERRORS. FROM TIME TO TIME CHANGES ARE MADE TO THE CONTENT HEREIN. WE MAY MAKE CHANGES IN THE PRODUCTS OR THE SERVICES DESCRIBED HEREIN AT ANY TIME.

General Disclaimer

Non-deposit investment products offered by VCB Financial Group referenced in this site or any page hereof are not bank deposits or obligations of, or guaranteed by, VCB Financial Group, its parent company or any affiliate, are not insured by the Federal Deposit Insurance Corporation or any other governmental agency, and are subject to investment risks, including possible loss of the principal amount invested.

Third Party Sites
Some of the sites linked to herein will divert you away from our server and web site. Such sites are not under our control. Access to any other Internet site linked to our web sites are at your own risk. We are not responsible for the accuracy or reliability of information, opinions, advice, data or any other content contained on linked sites. WE DO NOT MAKE ANY REPRESENTATIONS WHATSOEVER CONCERNING THE CONTENT OF THOSE SITES. The fact that we have provided a link to a site is NOT an endorsement, authorization, sponsorship, or affiliation by us with respect to such site, its owners, or its providers; we are providing these links only as a convenience to you. We have not tested any information, software, products or services found on these sites and therefore cannot make any representations whatsoever with respect thereto. There are risks in using any information, software, products or services found on the Internet; and we caution you to make sure that you completely understand these risks before retrieving, using, relying upon, or purchasing anything via the Internet.

Availability of Products and Services
Our products and services are offered only in jurisdictions where they may be lawfully offered and are subject to the terms of the applicable agreements governing them and the laws of the jurisdiction in which they are offered. NOT ALL PRODUCTS OR SERVICES MENTIONED HEREIN ARE AVAILABLE IN ALL JURISDICTIONS.

Jurisdiction
These Terms and Conditions will be governed by and be interpreted pursuant to the laws of the Commonwealth of Virginia, United States of America, any other principles of conflicts of law notwithstanding. The state courts located in Lancaster County, Virginia, and the Federal courts having jurisdiction over Lancaster County, Virginia, shall have exclusive jurisdiction over any claim or cause of action arising out of or related to the content or use of this site.

Severability and Entire Agreement
If any part of these Terms and Conditions is unlawful, void, or unenforceable, that part will be deemed severable and will not affect the validity and enforceability of any remaining provisions. This agreement constitutes the entire agreement and may not be modified except by us.